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市場調查報告書

消費金融市場:法國

Consumer Lending in France

出版商 Euromonitor International 商品編碼 972723
出版日期 內容資訊 英文 17 Pages
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消費金融市場:法國 Consumer Lending in France
出版日期: 2020年11月19日內容資訊: 英文 17 Pages
簡介

法國政府引入了COVID-19,隨後於2020年3月開始封鎖,旨在阻止病毒傳播,通過增加失業率和降低可支配收入來提振消費者信心。

本報告調查了法國的消費金融市場,重點研究了市場上的領先公司(發行人和運營商),流通卡數量,交易數量以及交易數量,市場預測和關注度。我們提供電力趨勢的戰略分析。

產品範圍:消費信貸,抵押/住房

數據覆蓋範圍:市場規模(實際和預測),公司份額,品牌份額和分銷數據

目錄

目錄/圖表列表

執行摘要

COVID-19對消費金融的影響

COVID-19對國家的影響

儘管採取了經濟支持措施,但消費者情緒低迷可能會限制信用卡消費(最大的消費者信貸類別)的早期恢復。

為應對失業率上升和貸款償還能力下降,金融機構收緊貸款標準

在大流行期間,住房貸款/住房交易占主導地位

消費者金融的下一步是什麼?

市場數據

免責聲明

全球宏觀經濟環境

全球工業環境

調查來源

重要數據

2020年的影響

COVID-19和隨後的封鎖削弱了消費者情緒,降低了總貸款需求,並且財務壓力大的消費者被迫依賴短期貸款

自動貸款的表現最差,因為汽車生產在鎖定期間停滯不前,並且消費者優先考慮支出

金融機構在金融不穩定的情況下評估2020年的申請時會引入更嚴格的貸款標準

恢復和機會

消費者對超額債務的關注以及持續嚴格的貸款標準破壞了對總貸款的早期預測

不願在預測期過早支出可能會延遲經濟復甦

法國的教育融資不發達

類別數據

目錄
Product Code: FCFRcl

The emergence of COVID-19 in France and the subsequent lockdown beginning in March 2020 introduced by the government in an attempt to halt the spread of the virus weakened consumer sentiment due to rising unemployment and decreasing disposable incomes. During a crisis, the French are known for saving rather than spending wherever possible, and this was most notable in the declines for both outstanding balance and gross lending in 2020, mainly driven by the significantly weaker performance of con...

Euromonitor International's Consumer Lending in France report establishes the size and structure of the market for ATMs cards, smart cards, credit cards, debit cards, charge cards, pre-paid cards and store cards. It looks at key players in the market (issuers and operators), number of cards in circulation, numbers transactions and value of transactions. It offers strategic analysis of sector forecasts and trends to watch.

Product coverage: Consumer Credit, Mortgages/Housing.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

  • Get a detailed picture of the Consumer Lending market;
  • Pinpoint growth sectors and identify factors driving change;
  • Understand the competitive environment, the market's major players and leading brands;
  • Use five-year forecasts to assess how the market is predicted to develop.

TABLE OF CONTENTS

List OF CONTENTS AND TABLES

EXECUTIVE SUMMARY

COVID-19 impact on consumer lending

COVID-19 country impact

Weak consumer sentiment despite financial assistance measures likely to limit early recovery of largest consumer credit category, card lending

Financial institutions tighten lending criteria in wake of rising unemployment and reduced capacity to repay loans

Dominant mortgages/housing fares better during pandemic

What next for consumer lending?

MARKET DATA

  • Table 1 Consumer Lending: Outstanding Balance by Category: Value 2015-2020
  • Table 2 Consumer Lending: Outstanding Balance by Category: % Value Growth 2015-2020
  • Table 3 Consumer Lending: Gross Lending by Category: Value 2015-2020
  • Table 4 Consumer Lending: Gross Lending by Category: % Value Growth 2015-2020
  • Table 5 Consumer Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
  • Table 6 Mortgages/Housing: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
  • Table 7 Consumer Credit: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
  • Table 8 Card Lending: Non-performing vs Other Loans Outstanding Balance: % Value 2015-2020
  • Table 9 Forecast Consumer Lending: Outstanding Balance by Category: Value 2020-2025
  • Table 10 Forecast Consumer Lending: Outstanding Balance by Category: % Value Growth 2020-2025
  • Table 11 Forecast Consumer Lending: Gross Lending by Category: Value 2020-2025
  • Table 12 Forecast Consumer Lending: Gross Lending by Category: % Value Growth 2020-2025

DISCLAIMER

GLOBAL MACROECONOMIC ENVIRONMENT

GLOBAL INDUSTRY ENVIRONMENT

SOURCES

    • Summary 1 Research Sources

KEY DATA FINDINGS

2020 IMPACT

COVID-19 and subsequent lockdown weakens consumer sentiment and reduces demand for gross lending, while financially-stressed consumers are forced to rely on short-term loans

Weakest performance for auto lending as car production falters during lockdown and consumers prioritise spending

Financial institutions introduce more stringent lending criteria when assessing applications in 2020 in the context of financial instability

RECOVERY AND OPPORTUNITIES

Consumer caution regarding over-indebtedness and ongoing stringent lending criteria dampens early forecast for gross lending

Reluctance to spend in early years of forecast period may slow economic recovery

Education lending remains underdeveloped in France

CATEGORY DATA

  • Table 13 Consumer Credit: Outstanding Balance by Category: Value 2015-2020
  • Table 14 Consumer Credit: Outstanding Balance by Category: % Value Growth 2015-2020
  • Table 15 Consumer Credit: Gross Lending by Category: Value 2015-2020
  • Table 16 Consumer Credit: Gross Lending by Category: % Value Growth 2015-2020
  • Table 17 Forecast Consumer Credit: Outstanding Balance by Category: Value 2020-2025
  • Table 18 Forecast Consumer Credit: Outstanding Balance by Category: % Value Growth 2020-2025
  • Table 19 Forecast Consumer Credit: Gross Lending by Category: Value 2020-2025
  • Table 20 Forecast Consumer Credit: Gross Lending by Category: % Value Growth 2020-2025